Real Estate Investing in Kirkwood, Missouri (63122)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Saint Louis County • Population: 41,724 • Data updated: September 2026

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Should you buy in 63122 (Kirkwood, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Kirkwood, MO (63122)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $514,326
Avg Monthly Rent $1,796
1% Rule ✗ Does Not Meet
Median Income $124,718
% Renters 20.2%

Market Analysis: 63122 Kirkwood

Investors eyeing 63122 need to respect the fundamentals at play. Home values of $514K come alongside slower price movement and elevated management overhead.

The 63122 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

ZIP 63122's metrics run below Saint Louis County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Employment concentration in 63122 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

New investors are better served looking at Kirkwood's stable or hybrid ZIPs before stepping into 63122. The learning curve here is expensive when the lesson is wrong.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Kirkwood:

B Good
Buy Confidence Score: 73/100
Affordability
15/25
Appreciation
22/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.1× the median income
Value Trend
Rising (+7.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,796/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
St. Louis, MO-IL Metro Area
Even conditions for buyers and sellers
30 days
Average time to sell
Fast
11.0%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from St. Louis, MO-IL metro data
🏠

Property Strategy for 63122

Which property type performs best in this market?

Best for Cash Flow
1BR
5.6% cap rate
Best for Appreciation
4BR
+6.9% 5yr CAGR
Best Overall Value
2BR
$139,958/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $149,788 $1,160 5.6% +4.9% $149,788
2BR $279,915 $1,420 3.7% +6.6% $139,958
3BR $441,300 $1,830 3.0% +5.8% $147,100
4BR $710,550 $2,110 2.1% +6.9% $177,638
5BR $967,465 +6.9% $193,493

Market Trends

Home Value History (with trend line)

$541K$478K$416K$353K$290K$227KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,087$1,927$1,767$1,607$1,447$1,287Oct 2020Sep 2023Jul 2026

📊 How Does 63122 Compare?

Metric 63122 Kirkwood St. Louis, MO-IL Missouri
Home Value $514,326 $514,326 N/A $254,657
5-Year CAGR 5.3% 5.3% N/A 7.0%
Avg Rent $1,796 $1,796 N/A -
Cap Rate 2.7% 2.7% - -
💡 Why Invest in 63122? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 63122 (Kirkwood, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+5.3%
Moderate

📊 Market Snapshot

Home Value $514,326
Monthly Rent $1,796
Price-to-Rent 23.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.2%
Cap Rate 2.7%
5-Year IRR 8.0%

📈 Home Appreciation

1-Year +7.1% ▲
3-Year CAGR +4.3% ▲
5-Year CAGR +5.3% ▲
10-Year CAGR +5.1% ▲

🏠 Rent Trends

1-Year -9.2% ▼
3-Year CAGR +0.1% ▲
5-Year CAGR +3.2% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
5.6%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.3%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 63122

Population: 41,724

💰 Median Household Income
$124,718
This area
$124,718
State
$62,768
USA
$74,580
🏠 Renter Occupied
20.2%
This area
20.2%
State
23.7%
USA
34.0%
💼 Unemployment Rate
1.5%
This area
1.5%
State
-8.1%
USA
3.7%
🎓 College Educated
67.9%
This area
67.9%
State
8.6%
USA
33.7%
👤 Median Age
42.9 years
This area
42.9 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
5.6%
This area
5.6%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 86.8%
Other/Mixed 7.4%
Hispanic/Latino 5.6%
Black/African American 3.7%
Asian 2.0%
👶 Under 18
24.9%
This area
24.9%
USA
22.0%
👴 65 and Over
21.1%
This area
21.1%
USA
17.3%
📊 Poverty Rate
2.2%
This area
2.2%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 63122

B+ Avg School Grade
9 Schools
15.7:1 Avg Class Size
$16,163 Avg Per Pupil

Schools in This ZIP Code

A Very Good

NIPHER MIDDLE

📚 06 – 08 Middle
👥
651 Students
👨‍🏫
11.6:1 Class Size
💰
$16,163 Per Student
A Very Good

NORTH KIRKWOOD MIDDLE

📚 06 – 08 Middle
👥
662 Students
👨‍🏫
11.7:1 Class Size
💰
$16,163 Per Student
A Very Good

F. P. TILLMAN ELEM.

📚 K – 05 Elementary
👥
494 Students
👨‍🏫
13.1:1 Class Size
💰
$16,163 Per Student
A Very Good

GEORGE R. ROBINSON ELEM.

📚 K – 05 Elementary
👥
478 Students
👨‍🏫
12.8:1 Class Size
💰
$16,163 Per Student
A Very Good

NORTH GLENDALE ELEM.

📚 K – 05 Elementary
👥
590 Students
👨‍🏫
13.4:1 Class Size
💰
$16,163 Per Student
A Very Good

W. W. KEYSOR ELEM.

📚 K – 05 Elementary
👥
592 Students
👨‍🏫
14.7:1 Class Size
💰
$16,163 Per Student
A Very Good

WESTCHESTER ELEM.

📚 K – 05 Elementary
👥
593 Students
👨‍🏫
13.7:1 Class Size
💰
$16,163 Per Student
B+ Above Average

KIRKWOOD SR. HIGH

📚 09 – 12 High School
👥
1,737 Students
👨‍🏫
12.9:1 Class Size
💰
$16,163 Per Student
C Below Average

KIRKWOOD EARLY CHILD. CTR.

📚 Grade PK Elementary
👥
299 Students
👨‍🏫
37.4:1 Class Size
💰
$16,163 Per Student

Nearby Schools (2 more)

Schools in adjacent ZIP codes that may serve this area

A Very Good

HIRAM NEUWOEHNER

📚 09 – 12 High School
📍 12112 Clayton Rd., Town and Country
👥
93 Students
👨‍🏫
2.9:1 Class Size
💰
$154,683 Per Student
A Very Good

EXTERNAL SITES

📚 Pre-K – 12 K-12
📍 12110 CLAYTON RD, TOWN AND COUNTRY
👥
2,273 Students
👨‍🏫
1.4:1 Class Size
💰
$154,683 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 92 Off-Campus Students
C
Grabber School of Hair Design
244 students · 2.2 mi
D
Healing Arts Center
121 students · 2.5 mi
C
Applied Technology Services
152 students · 2.5 mi
C
St Louis College of Health Careers-Fenton
430 students · 3.6 mi
C+
Webster University
7,606 students · 4.2 mi
D
Eden Theological Seminary
85 students · 4.2 mi
C+
Skin Institute
83 students · 4.7 mi
C
Covenant Theological Seminary
607 students · 4.7 mi

Frequently Asked Questions

What are vacancy rates like in Kirkwood, MO?

Expect elevated vacancy in Kirkwood, MO. Rents at $1,796/mo are absorbed by the tenant base without meaningful lag.

How should investors approach Kirkwood, MO?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Kirkwood, MO. The numbers - $514K homes against $1,796/mo rents - support that play.

How does Kirkwood, MO rate as a rental market?

Kirkwood, MO stands at an investability rating of 3.0/5, with median home values near $514K and average rents around $1,796/mo. That combination puts it in the impressive tier for investor interest.

Are homes affordable in Kirkwood, MO?

Homes in Kirkwood, MO typically sell near $514K. Prices have moved at a 0.0% 5-year CAGR, which even-keeled long-term demand.

How strong are rents in Kirkwood, MO?

Kirkwood, MO rentals go for roughly $1,796/mo a month. That puts gross yield in solid territory relative to $514K acquisition costs.

You know 63122 now. You don’t know where it ranks.

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How 63122 ranks in St. Louis, MO-IL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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